| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER A. SCHAEFFER3 | 7 WINDY KNOLL DR. RICHBORO, PA 18954 | AETNA HEALTH INSURANCE COMPANY | $14K | — | $14K | 8.07% |
| JS BENEFITS GROUP INC3 Filed as: JS BENEFITS GROUP, INC. | 7 WINDY KNOLL DR. RICHBORO, PA 18954 | AETNA HEALTH INSURANCE COMPANY | $7K | — | $7K | 4.04% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $15K | — | $15K | 11.56% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD., SUITE 220 FORHAM PARK, NJ 07932 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| JS BENEFITS GROUP INC3 Filed as: JS BENEFITS GROUP, INC. | 7 WINDY KNOLL DRIVE RICHBORO, PA 18954 | PRINCIPAL LIFE INSURANCE COMPANY | $780 | — | $780 | 3.28% |
| JENNIFER A. SCHAEFFER3 | 7 WINDY KNOLL DRIVE RICHBORO, PA 18954 | PRINCIPAL LIFE INSURANCE COMPANY | $510 | — | $510 | 2.15% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 21.11% |
| ASSUREDPARTNERS3 Filed as: JENNIFER SCHAEFFER | 7 WINDY KNOLL DR. RICHBORO, PA 18954 | METROPOLITAN LIFE INSURANCE COMPANY | $494 | — | $494 | 14.88% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 HANOVER RD. #B, SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $145 | $97 | $242 | 7.29% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | VISION SERVICE PLAN | $313 | — | $313 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA HEALTH INSURANCE COMPANY | 64 | $324K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $24K |
| Vision | VISION SERVICE PLAN | 39 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $3K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.